I want to renovate.

Is it time for a new coat of paint, a kitchen upgrade or a bathroom makeover? We may have the right tool for the job.

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No strings attached and it won't impact your credit score.

Why choose SocietyOne for home improvement?


Simple fee structure

Our loans feature one simple establishment fee. No monthly fee, no early repayment fees and no break costs. For more information on fees, see our Rates and Fees.

Flexible loan options

Our home improvement loans allow you to borrow up to $50,000 with flexible loan terms of 2, 3 or 5 years. Repayments can be made fortnightly or monthly.

Competitive interest rates

Stop waiting and bring your designs to life with a SocietyOne unsecured home improvement loan. Our rates start at 7.88% p.a. / 9.90% p.a. comparison rate* and are tailored to you. Apply now and get the rate you deserve.

Fast online application

Our application process is 100% online. This keeps our costs lower and may save you money. It also means faster approvals and funding - so what are you waiting for? Your new kitchen awaits.

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 9.20% (comparison rate 9.77% - 11.23% p.a.) depending on investor demand. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

Switch & Save

Switch your existing personal loan to SocietyOne and take advantage of our low interest rates.

“This process is the fastest, most seamless way to borrow money - welcome to the revolution!”
Lovely avatar

Lovely, VIC

“SocietyOne was different. It saved me a considerable amount of money”
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Jonny, Queensland

“It really is the easiest transaction I think I have ever completed.”
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Paul, VIC

Make it happen.

Whether you want to consolidate debt, buy a car or go on a holiday, SocietyOne can help make it happen.

Our rates


We never charge any monthly or early repayment fees. Loans available for a minimum term of 2 years and a maximum term of 5 years.

SocietyOne Loan
Grades
Interest Rate
% p.a. (2-3 years)
Interest Rate
% p.a. (5 years)
Establishment
Fee
Comparison Rate
% p.a. (2-3 years)2
Comparison Rate
% p.a. (5 years)3
Tier 1 (AA)7.75% - 9.20%8.60% - 10.05%3.00%9.77% - 11.23%9.87% - 11.33%
Tier 2 (A)10.30% - 10.90%11.25% - 11.85%4.00%13.02% - 13.63%12.98% - 13.59%
Tier 3 (B)10.90% - 12.00%11.95% - 13.05%4.50%13.97% - 15.09%13.91% - 15.03%
Tier 4 (C)12.00% - 14.80%13.15% - 15.95%5.00%15.43% - 18.29%15.35% - 18.21%
Tier 5 (D)14.80% - 24.25%16.05% - 25.50%6.00%18.97% - 28.67%18.75% - 28.48%

The establishment fee is added to your loan; the amount is based on your SocietyOne loan grade and the loan amount. A $35 fee applies if you need to vary your loan. 2 Based on a $10,000 unsecured personal loan for a 3 year term. 3 Based on a $30,000 unsecured personal loan for a 5 year term.


Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.


Comparison Rate*

9.90%

Monthly Repayment

$331.90

Total Repayments

36 x $331.90 = $11,947.30

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 9.20% (comparison rate 9.77% - 11.23% p.a.) depending on investor demand. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

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Getting a quote will not impact your credit score.